Find the Best Term Deposit Rates in Australia

Compare competitive rates from leading Australian banks and financial institutions. Make informed decisions with our interactive calculator.

Term Deposit Calculator

Calculate your potential returns with our easy-to-use interactive calculator.

Deposit Amount ($)

Annual Interest Rate (%)

Term Length

Interest Payment

Initial Deposit: $10,000

Interest Earned: $450.00

Total at Maturity: $10,450.00

Term Length: 12 months

Updated regularly to help you find the most competitive rates available.

Provider	3 Months	6 Months	12 Months	24 Months	Min. Deposit
Bank A	4.25%	4.50%	4.75%	4.60%	$5,000
Bank B	4.15%	4.45%	4.80%	4.70%	$10,000
Credit Union C	4.30%	4.55%	4.85%	4.75%	$1,000
Bank D	4.10%	4.40%	4.70%	4.65%	$5,000

View All Rates & Compare

Lock in a fixed interest rate for the entire term, providing certainty and predictable returns on your investment.

Term deposits are covered by the Australian Government's Financial Claims Scheme up to $250,000 per institution.

Choose from terms ranging from 1 month to 5 years, allowing you to match your investment to your financial goals.

Simple, straightforward investment with no hidden fees or complex conditions to navigate.

Make informed decisions with our comprehensive guides and resources.

Understand the basics of term deposits and how they work.

Learn strategies for selecting the optimal term length for your needs.

Understand how term deposit interest is taxed in Australia.

Expert insights and strategies to help you make the most of your term deposit investments.

January 20, 2026

Learn how to structure your term deposit portfolio to balance income needs, capital preservation, and peace of mind in retirement.

January 15, 2026

Discover proven techniques for optimizing your term deposit strategy and getting the most from your investments this year.

January 12, 2026

Understand the key differences between these popular savings options and choose the right one for your goals.